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UPDATED: Mar 13, 2020
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When buying auto insurance policy for your car, getting the cheapest car insurance premium available is often one of the most important factors. While you want to make sure that you are adequately covered in most circumstances, paying the least amount of money for your insurance premiums that you can is critical.
Most people don’t like the idea of throwing money away on insurance premiums that are overpriced. Because of this, many consumers are starting to turn to the Internet to help find better deals on car insurance. While the Internet can be a valuable tool when shopping for auto insurance, it is not always necessarily the cheapest place to buy insurance.
Every situation is different, but you should use the Internet to do some research and possibly to make a purchase if conditions are right. Get started now by entering in your ZIP code and have access to our FREE car insurance search tool!
Insurance Comparison Sites
When you’re looking for insurance, you may notice that there are several insurance comparison websites available online. These sites are designed to make your job of shopping for insurance much easier. With this type of site, you’ll enter some personal information such as your age and your zip code.
Then the site will fetch quotes from several different insurance companies that offer policies in your area. You’ll be able to see what each insurance company charges based on their published rates.
While these sites can be very handy and a useful tool for shopping around, you should not allow them to be the only resource you use.
Sometimes, these sites overlook rates that you could get from companies that do not participate in their programs. If you overlook the company with a lower rate, you may still be leaving money on the table.
Shopping on Insurance Company Sites
In addition to looking at insurance comparison websites, you should also go to specific insurance company sites. In some cases, insurance companies do not make their rates available to insurance comparison websites. This means that you will be able to get a more accurate estimate directly from the insurance company than you will from an insurance comparison site.
When you visit an insurance company’s website, you may be able to enter some more specific information so that you can get a better quote. The insurance site may even evaluate your credit profile before giving you a quote so that you’ll know exactly what you can pay for insurance.
Online Insurance Companies
Besides checking with traditional insurance companies, consumers should also shop with online-only insurance providers. These companies conduct business only online or over the phone. They don’t have local offices and they don’t have local agents. The reason that these companies can be so attractive is because they have very small overhead.
They don’t have a lot of offices and salaries to pay as compared to some of the other, more traditional insurance companies. This means that the companies can often pass savings on to their customers by charging less in insurance premiums.
These companies do not always beat traditional insurance companies when it comes to premiums, but they do beat them in some cases. Each case is different and has factors that will have to be considered independently by the insurance companies.
Traditional Insurance Companies
When you’re in the market for auto insurance, you shouldn’t cut yourself short by simply shopping online. While it is very easy to shop online for auto insurance and it could save you some time, you may be looking past a good deal in your local market. In some cases, local insurance agent can actually beat rates that you get online.
In order to find out if your going to get the best deal, you have to check with your local agents. Start by calling them and asking for a quote on your auto insurance. You should be able to give them the information they need over the phone to come up with a quote for you. At that point, the insurance agents can tell you what the cheapest quote they can give you is.
Combining Insurance Policies
In many cases, the insurance company that can give you the best deal on auto insurance is the one that you already have other policies with. For instance, if you have a homeowner’s insurance policy or renters policy with one insurance company, you may be able to get a good deal on auto insurance from the same company. Most insurance companies provide multi-line discount if you buy more than one policy from them.
If you have more than one vehicle to insure, this could also get you a nice discount from your insurance company. For instance, if both you and your significant other have vehicles that need insurance policies, you can get them from the same place and save some money.
Many times, your current insurance company or one in your local market can combine all of your policies together and give you a really good deal. They may also be able to offer additional discounts such as a safe driver discount or a discount for taking a driver’s education course.
When you’re in the market for an auto insurance policy, you cannot leave any stone unturned. You have to be willing to shop around on line and in your local market. Once you have quotes from both online sources and quotes from local insurance agents, then you can compare all of them in the same place.
When comparing when put against another, you need to make sure that you’re comparing policies that have all of the same features. For instance, you cannot realistically compare a “full coverage” policy that includes collision, comprehensive, and liability with a liability-only insurance policy.
If you are sure that each policy you are looking at has all of the same features, then you can make a realistic comparison based on price.
In addition to looking at the price of the policy, you should also consider the reputation of the company that is giving you the policy. If you find a good company to work with at a fair price, get the policy and don’t look back. Use our FREE car insurance search tool by putting in your ZIP code!